Frédéric Stiernon is the founder and CEO of KWALYO S.A. Since 2016, together with his team based in Luxembourg, he developed and implemented CarPay-Diem, a platform allowing mobile apps and connected cars to activate fuel pumps and manage the payment from inside the car. Previously, he launched FlashiZ, a universal mobile payment solution (e-wallet) as well as Fidely Street, a digital loyalty platform. Both companies were acquired by the Irish group Fexco. Before that, Frédéric was in charge of the business of C&W a Belgian core banking company. He started his career in the automotive industry working with Delphi Automotive Systems.